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    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other!
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    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
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carter/Lowell claimform - welcome car finance [illegal repo?]**Claim Discontinued**


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Today (sat 14th Sept)

 

 

i received 2 letters...

 

 

One from Bryan Carter Solicitors dated the 10th September

saying that i have failed to make payments on an account

and that i will receive a claim form in the next 48 hours from the court!

 

 

The second letter, the claim form from the court dated the 10th September as well!!!!

 

To my knowledge this is the first letter i have had from this company and it has shocked me considerably.

 

Claiment: Lowel Portfolio Ltd

 

Date Of Issue : 10 September 2014

 

Claim:

The claimants claim is for the sum of 8320 being for monies due

from the defendant to the claimant under an agreement regulated

by the consumer credit act 1974 between the defendant and welcome finance

under account reference 1****** and assigned to the claimant on 05/09/2012

notice has been given to the defendant

 

The defendant failed to maintain contractual repayment under the terms of the agreement

and a default notice has been served which has not been complied with

 

The claim includes statutory interest pursuant to s.69 of the county act 1984 at a rate of 8% per annum

(a daily rate of 1.82) from the date of the assignment of the agreement

to date but limited to a maximum of one year amounting to 78.39

 

The total amount of the claim including court fees, solicitor's cost comes to 8906

 

The original loan was for car finance.

 

I am uncertain of the actual date the original finance was started as all the original paperwork

was destroyed in a fire some years ago (but i believe it was around 2003)

 

In 2005 after making regular payments i started struggling with making the full payments

and contacted welcome finance numerous times explaining how i was struggling

to make the original payments and asked if i could make reduced payments until my financial situation improved.

 

 

They constantly refused my offers even after being sent financial statements showing my difficulties,

at the time i was owing out more than i had coming in and they said they would

only accept £50 per month which at the time i could not make.

 

 

They were always extremely aggressive when trying to contact them via phone

when calling them to try and come to some arrangement.

 

 

In 2006 i found my car had been removed from the car park at the rear of my property

without any warning and nothing from welcome.

 

Upon contacting welcome about the car being removed without any notification

i was told the car was theirs and they had every right to take it

and didn't have to inform me of them doing so

 

According to the letter, i recieved today, the claim was passed on to this company which i had no knowledge of.

 

Also to my knowledge i have not recieved any default notice from the original creditor

or the company who sent me the letter today.

 

I originally disputed the amount that was still owed after they had taken my car due

to all the interest added and the fact they had taken the car and the debt seemed to increase!

 

I am just wondering what i can do now as i am once again struggling financially.

 

Any help in this situation would be great

 

thank you for reading

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Your timeline is as follows..

 

Issue date 10 September + 5 days for service = 14 September + 14 days to acknowledge = 28 September + 14 days to submit defence = 12 October 2014

 

I will try and find someone who can help, but can you confirm that no payments were made after 2006 when they took the car back. Had you paid more than one third of the loan at that time ?

 

You have not received any communication from Lowell prior to this claim being issued ?

 

You will need to start collecting information.

 

You can send a CPR request for copies of documents mentioned/implied in their Particulars of Claim. Which are

 

LINK

 

1: The agreement

2: The Default Notice

3: The Notice of Assignment

4: Statement of account showing how the £amount claimed has accrued.

 

Read the CPR draft carefully and amend where indicated.

 

You will need to send a CCA request to the Claimant (Lowell) LINK

 

It might be in your interest to send a Subject Access Request to Welcome - sadly this data will not be available to you in time for the submitting of your defence as they have 40 days to comply but it is well worth the £10.00 LINK

 

If you lost everything in the fire, then you will not know if there was any Payment Protection Insurance or the value of any charges that they added to the account so, the SAR will be very useful for that.

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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thank you for your reply

 

i believe payment protection was included in the original finance package

 

they took the car after i stopped making payments due to my financial situation

and not being able to reach a satisfactory payment plan.

No payments were made after the car was taken.

 

I personally have not seen any previous letters from Lowell that they claim to have sent

 

do i need send both the cpr and cca to lowell?

 

 

doesn't the cpr mention requesting the agreement so is the cca needed to be sent?

Edited by ITPR
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asap you need to send the cca request to the claimant (Lowell)

 

you need to send the cpr31.14 request to the claimants solicitors (Carter)

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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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send those letters

 

 

also get an sar off to welcome finance to by recorded.

 

 

have you ANY paperwork still?

 

 

you have ack'd the claim....?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Was the last payment in 2006?

 

If so, don't even bother with the CCA, CPR or SAR.

 

Just acknowledge the claim and defend all.

 

Then submit the Statue barred defence.

 

1 The Claimant's claim was issued on (date).

 

2 The Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation actlink3.gif 1980. If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant.

 

3 The Claimant's claim to be entitled to payment of £x or any other sum, or relief of any kind is denied.

 

Thanks to Andy.

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Thanks for the reply

 

with regards to the statue barred defence how do i go about it as i have never been presented with anything like this before.

 

do i respond to the claim online via moneyclaim website?

 

All you would need do is to pop the SB defence that havinastella provided below - EXACTLY word for word into the defence box on MCOL.

 

 

1 The Claimant's claim was issued on 10 September 2014.

 

2 The Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980. If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant.

 

3 The Claimant's claim to be entitled to payment of £xxxx or any other sum, or relief of any kind is denied.

 

So you would log into the MCOL website - the password is on your claim form a little way down one of the pages - your claim number will also be required. You should have a pen/pencil handy because you will be given another reference number before you get to the defence submitting stage.

 

You will acknowledge the claim and if you are happy that the account is statute barred (you are absolutely certain that no payment or acknowledgment of liability has been made since 2006) then you can continue to the defence section. Please, please do print off the receipt or save it to your computer for confirmation.

 

If you are not sure about the date then simply acknowledge the claim and tick the box that will give you the extra 14 days so you can do some more research.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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so if i check the box to enable the extra 14 days am i still able to make the statute barred defense within the extended period?

 

i have just checked through 7 years of bank statements and it seems a payment was last made to welcome on the 23 of April 2008!

 

i didn't realize that i had paid anything around that time

 

what course of action should i take now as i am unsure if anything that was done after that date... especially as i originally thought my last payment was in 2006 :(

 

also when they took the car no notice was given that it was going to be taken or any letters from welcome afterwards regarding what happened with the car, if this was sold at auction and used as payment towards the debt would that 'payment' be classed as a payment by myself?

 

i was never given any papers regarding the taking of the car or sale of it and to my knowledge no money came off the debt after they took it... except the money owed kept going up.

 

should i now, after finding the payment on my bank statement, still send off the CCA and CPR just to find exactly what payments i have made and any written correspondents?

Edited by ITPR
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IMO, you should get on and acknowledge and tick defend all,

 

Then ASAP send both requests headed "I do not acknowledge any debt to yourselves or to any

 

Company you claim to represent"

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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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April 2008 would, I think still bring you into the SB time period. But you need to be sure.

 

I will ask if it would be worth your making a request for information using CPR Part 18 (this is a request for information only) that way you could ask questions about the repossession of the vehicle - what it sold for etc, etc..

 

But in the meantime, get your CCA and CPR 31.14 requests off and acknowledge the claim - tick the box for the extra 14 days and print off any receipts. If it transpires that it is SB's you can still use that defence right up until the very last minute :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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get that stuff done and also a I said an sar to welcome finance

do it recorded to them.

 

 

if the repo was unlawful under the cca

then it blow the case out the water and leads you to getting ALL your payments back too!!

 

 

dx

  • Confused 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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i acknowledged the claim yesterday and am sending off the CCA and CPR requests this morning

 

i haven't got any paperwork whatsoever from welcome and am not sure of my old account reference number to include in a SAR. Do i just send it of with all the details minus the account/reference number?

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You don't need account numbers, your address at the time you signed the agreement and any subsequent addresses should be enough.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Righto, well because this will be a small claim action then my suggestion to use CPR part 18 was not one of my brightest moments - it wont apply.

 

It is suggested that you submit the Statute barred defence and get a Subject Access Request off to the original creditor ASAP.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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You must acknowledge service by the 28th Sept and submit your defence by 12th October. Dont bank on response to the CPR 31. request or a reply in time from the SAR.

 

The debt is obviously statute barred anyway so there is no reliance on the above anyway...it merely for information at a later stage if required.

If you need to clarify quickly when the last payment was made ...ring them...also find out what date they credited the account with the proceeds of the car sale.

 

Regards

 

Andy

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We could do with some help from you.

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Well today i got a letter back from the CPR 31.14 request to Bryan Carter Solicitors and it looks like i am not getting any of the requested documents...

 

s22.postimg.org/t0ezuy09t/letter.jpg

 

just wondering what i do now...

 

any help appreciated

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Only upload pdfs ITPR not jpegs but as above I would assume its their usual nonsensical responce

We could do with some help from you.

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Yes the usual....oh well start preparing your defence.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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the problem i have is i have no paperwork and only only thing i do have is a bank bank statement showing a last payment made in april 2008... after that no payments were made as they had already took the car without notice.

 

as carter is not going to send any info and the possibility of both Lowell (CCA) and Welcome (SAR) not sending the paperwork before the deadline i am quite worried at the minute

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